Grow Financial Federal Credit Union

Rates & Fees

Earning More and Paying Less Sure Beats the Other Way Around


At Grow, we think you should be paid more—and pay less. It’s just another way we put people before profit. Whether it’s offering higher dividend rates on savings or lower interest rates on car loans and mortgages, you’re the one who benefits.

We don’t want to charge fees, either. So we make it easy for you to understand what fees you may be charged and how to avoid them. View the Fee Schedule.

Loan Rates You’ll Adore

When you’re looking for a personal loan, you want a low rate and we deliver.

Apply for a Signature Loan
Vehicle LoansRate TypeTermsAPR
New & Used Cars, Trucks, and Vans
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FixedVariesAs Low As 3.74%1
New & Used Watercraft
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FixedVariesAs Low As 7.25%2
New & Used RV
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FixedVariesAs Low As 4.75%3
New & Used Motorcycles
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FixedVariesAs Low As 7.75%4
New & Used BMW, Ducati, Harley Davidson & Triumph MotorcyclesFixedVariesAs Low As 7.50%5
Personal LoansRate TypeTermsAPR
SignatureFixedVariesAs Low As 11.20%6
Certificate SecuredFixedVariesCertificate Rate +3.00%7
Share SecuredVariableVariesRate +3.00%8

Annual Percentage Rate (APR). The loan rates quoted are effective 9/28/2018 and are subject to change. Subject to credit approval.

1Fixed rates for vehicles range between 3.74% APR and 10.74% APR. The rate you receive is determined by your credit history, year of the vehicle, and term of the loan.

2Fixed rates for watercrafts range between 7.25% APR and 9.50% APR. The rate you receive is determined by your credit history, year of the watercraft, and term of the loan.

3Fixed rates for RVs range between 4.75% APR and 7.75% APR. The rate you receive is determined by your credit history, year of the RV, class, and term of the loan.

4Fixed rates for motorcycles range between 7.75% APR and 9.75% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.

5Fixed rates for premier motorcycles range between 7.50% APR and 10.00% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.

6Fixed rates for signature loans range between 11.20% APR and 16.20% APR. The rate you receive is determined by your credit history.

7Fixed certificate secured loans. The APR is calculated at 3.00% above the dividend rate paid on the Certificate Account.

8Share secured rates subject to change without notice. Payment will not change if rate increases or decreases, instead, approximate term of loan will adjust. The APR is calculated at 3.00% above the dividend rate paid on the Basic Savings Account or Club Account.

Home Loans That Will Keep Your Home Happy

A home loan can often be the biggest debt you have. Our rates can make it easier to manage.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.